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please help I am having trouble budgeting well can you plz give some advice

Hi Paul

Please expand on your question, what in particular are you having trouble with?



Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Paul

It sounds like you need to do a simple income and expenditure exercise. Take a piece of paper and total your income. Then list all of your living expenses (but non of your unsecurred debt payments - credit cards, loans etc). Take your living expenses away from your income and you will be left with your Disposable income. This is the amount you have in the month to save, pay off debt or blow on beer. You can not spend more than this otherwise you will start robbing Peter to pay Paul

When budgeting this simple exercise can give you a real insight into your finances. The difficult thing is actually having the discipline to stick to your budget. No one can do that for you but you.

James Falla

Expert in IVA, Bankruptcy and informal Debt Management solutions for over 10 years.

For more information visit www.jamesfalla.com and visit my blog at: http://jamesfalla.blogs.iva.co.uk

James is too modest here, but he has recently written a very excellent book (you can buy it on Amazon) covering this very subject. Find further details of this on his webite.

I have read the book and it really does contain some very useful tips about general household budgeting - that even I have learned a few tricks (to my husband's delight!!!)

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk